Hi Limbo, welcome back. I don’t know how to advice you about the layers. All I know that you need to separate your finances somehow, so you are not responsible for his debt. I’m glad you are able to get online, maybe you will get some good advice here.
M:50 H:52 S28 (my S from previous marriage) M:17 + 3 BD: 06/12 S: 06/12 - H works in another state
